É um contrato firmado entre a seguradora e o tomador. É o mecanismo legal onde a Seguradora poderá buscar o direito de ressarcimento do prejuízo causado por indenização, conforme art. 786 da Lei 10.406 de 2002
Art. 786. Paga a indenização, o segurador sub-roga-se, nos limites do valor respectivo, nos direitos e ações que competirem ao segurado contra o autor do dano.
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